Home Employment Insurance

Designed specifically for individual employers

Complete Protection

If you employ a personal assistant or carer to help with your independent living, this policy is for you.

Employers' Liability
In the event that your employee suffers injury or illness whilst working for you.
Public Liability
As a consequence of bodily injury or property damage to a third party while care is taking place.
Employment Support
Proactive employment support available 24 hours a day 7 days a week through a variety of means.
No Excess
We do not require any contribution to a claim meaning your funding is reserved for what really matters.
Personal Possessions
Repair or replacement to the possessions of your Personal Assistant if they are damaged whilst care is taking place.
Legal Expenses
Upgrade to our plus or deluxe policy and receive cover for your legal expenses following an employment dispute.

Get a quote

You will need the following information
Details of care provider.
Your address.
A contact email.
Your date of birth.
* denotes a mandatory field.
Or call us on
01476 514478
To discuss your Home Employment Insurance needs and options.

Looking After Individual Employers

Proactive Employment Support

Employment advice and legal support tailored around the specific needs of individual employers of Personal Assistants. Our pro-active, personalised approach to legal advice is designed to ensure everyone gets the level of service they require precisely when they need it. We understand that support for Direct Payments and Personal Health Budget recipients operates best when it is tailored around the needs of individuals.

Premier Club Rewards For All

As a thank you for being a customer you, and all of your PAs will get FREE and exclusive access to The Premier Club Rewards. Full of exciting offers that will save you money on some of the biggest brands from the high street, on-line and top-notch days out.

A Place to Thrive

As partners we will work with you to provide all of your employers exclusive access to support groups both online and in person. Providing a peer to peer network with people in similar situations that our policy holders find invaluable.

Why Mark Bates Ltd

Mark Bates Ltd is proud to be an award-winning, family-run business, that has built its foundations on looking after customers and providing unparalleled levels of service.

Customer Service

It’s easy to make bold claims about customer service but we have the facts to back it up. We are proud of what our customers say about us and fly our flag based on the level of service we provide. We offer a complete service from start to finish, and a team of motivated individuals to provide it.

Be Different

Mark Bates Ltd is unapologetically unique in many of the ways we do things, and we allow ourselves that freedom to be creative. You can forget what you know about insurance brokers because we do almost everything ourselves, allowing us to provide the best standard of care.

Family Run

Being run by Mark and many of the Bates family means a lot to us. They have worked hard to gain the trust of our customers, and this is something we will never let go. We are motivated to provide all of our products to the best of our ability and with the integrity to live up to our name.


If you are employing a carer or PA you legally require Employers Liability Insurance. This is covered in all of our Home Employment insurance policies.

If your carer is self-employed (they pay their own tax and national insurance) you do not need the Employers Liability cover but may still wish to be covered for Public Liability. We also offer a Personal Care Assistant policy for self-employed carers.

There are no limits on the number of carers covered with the Home Employment Insurance policy.

The employer is the person looking after the affairs of the person receiving care, this could also be the same person.

Yes. Whenever they are with the carer, either inside or outside the home, the insurance will still cover them.

Yes. Redundancy is covered under our Plus and Deluxe policies.

We offer a 24/7 legal advice helpline through the ILG Support. They offer excellent and professional HR advice tailored to direct payments clients and they can help with any legal and/or employment queries you may have. This essential service can also be contacted by support teams and local authorities as well as our service users.